FHA VS Conventional loan in Amherst, Hampshire County, Massachusetts

In 2025, the Conventional loan limit for Amherst, in Hampshire county, MA, is $647,200. In contrast, the FHA limit for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator to compare today’s best rates for Conventional, FHA, and USDA loans. It helps determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in MA suits your financial situation best.

Compare loan offers from 100 lenders

2025 Loan Limits and Downpayment Requirements in Amherst, County of Hampshire, MA

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This comparison applies to the zip codes: 01002, 01003, 01004, 01059

Options for Conventional and FHA Loans in Amherst, MA

The aim of Lendersa® is to rapidly secure the best Conventional, USDA, or FHA loan for you, free of hassle. Choose from three starting options to find matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • SC Lending Group
  • 300 East Esplanade Drive, 9th Floor, Oxnard, CA, 93036
  • Nuris Dante is your premier mortgage expert located in Oxnard, California. She prides herself on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Oxnard area. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding.
  • Stockton Mortgage R.E.L.S.C.
  • 6820 Pacific Avenue, Stockton, CA, 95207
  • Stockton Mortgage R.E.L.S.C. is the original Team of local experts for real estate loans. We strive to support our communities through easy to understand home loans, construction financing, and more! Mortgages are processed in a family friendly, yet boutique business atmosphere. 40 years Local & Now Online to Connect.
  • Tri-Valley Lending
  • 4600 N. Pershing Ave, Suite B, Stockton, CA, 95207
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Central Valley Mortgage Group
  • 5713 N. Pershing Avenue, Suite D2, Stockton, CA, 95207
  • We are a full-service mortgage company based in Stockton, CA. We specialize in FHA, VA, Conventional, USDA & JUMBO loans in Lodi, Linden, Patterson and Sonora. We also serve the surrounding cities in San Joaquin County, Stanislaus County, Madera County. We offer a wide range of refinance options, designed to best meet the needs of local borrowers.
  • Emerald Realty & Mortgage
  • 1330 W Robinhood Dr, Suite a 13, Stockton, CA, 95207
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • H.O.M.E. Lending
  • 1919 Grand Canal Blvd, A6, Stockton, CA, 95207
  • Our simple and effective approach speeds up the entire loan process and ensures our customers get the loan that best suits their individual needs at the most competitive rates. Whether it is your first home or an investment property we offer a wide range of financing options designed to meet your unique needs.
  • Mission San Jose Mortgage
  • 2111 West March Lane, Suite B100, Stockton, CA, 95207
  • Mission San Jose Mortgage, we have the experience, financial strength, and personalized service you can count on. As a client of Mission San Jose Mortgage, you will benefit from the personal attention and experience of our licensed mortgage professionals coupled with our wide range of competitive mortgage products
  • Mitchell Mortgage
  • 1737 Hoffman Street, Woodland, CA, 95776
  • Mitchell Mortgage has been serving the home loan needs of our clients in Napa, California for over 24 years. In addition to the beautiful Napa Valley, we are now also located in the lovely communities of Davis and Woodland, California to better serve the residents of Yolo County and the Sacramento region.
  • Landmark Financial
  • 1280 S. Victoria Avenue, Suite 180, Ventura, CA, 93003
  • Landmark Financial is a Ventura, California based mortgage company that has been in business since 1995. Our loan originators and staff provide our clients with the best possible loan experience. To that end, we have been voted best mortgage lender in the west Ventura county the last 6 of 7 years by the readers of the Ventura County Star.
  • Northern California Financial
  • 2001 Carmel Circle, Lodi, CA, 95242
  • We rely primarily on human interaction to obtain new business. You can visit us and ask questions at one of our tables the CDCR Facilities. Our reputation depends on personal interaction being a success thru and thru. We have worked with employees of the State of California (CDCR primarily ) for over 20 years.